Credit Analyst

We are seeking a detail\-oriented and analytical professional to join our team as a **Credit Analyst / Loan Documentation \& Financial Analyst**. The candidate will be responsible for verifying loan\-related documents, conducting financial analysis of clients, assessing creditworthiness, and ensuring all documentation complies with company policies before loan sanction.

• *Key Responsibilities**

• Verify and scrutinize all loan application documents for completeness and authenticity.
• Analyze clients' financial statements, including:
• Balance Sheet
• Profit \& Loss Account
• Bank Statements
• Income Tax Returns (ITR)
• GST Returns
• Cash Flow Statements
• Evaluate clients' financial health, repayment capacity, and creditworthiness.
• Perform ratio analysis and prepare financial assessment reports.
• Identify discrepancies, risks, and red flags in financial documents.
• Coordinate with the sales team and clients to obtain missing or additional documentation.
• Ensure compliance with internal credit policies and regulatory guidelines.
• Prepare loan recommendation reports for management approval.
• Maintain accurate records of client files and loan documentation.
• Support the loan sanction and disbursement process by ensuring timely completion of documentation.

• *Required Skills**

• Strong knowledge of financial statements and accounting principles.
• Ability to read and interpret Balance Sheets, P\&L Accounts, and other financial reports.
• Understanding of business loans, working capital loans, LAP, and unsecured loans.
• Knowledge of financial ratio analysis and credit appraisal.
• Good analytical and decision\-making skills.
• Proficiency in Microsoft Excel and MS Office.
• Strong attention to detail and documentation accuracy.

• *Qualifications**

• Bachelor's degree in Commerce (B.Com), Finance, Accounting, or a related field.
• MBA (Finance), M.Com, CA Inter, or equivalent qualification will be an added advantage.

• *Preferred Experience**

• 2–5 years of experience in loan processing, credit underwriting, financial analysis, banking, NBFCs, or CA firms.
• Experience in evaluating financial documents for business loan approvals.
• Familiarity with loan sanctioning processes and documentation requirements.

Pay: Up to ₹35,000\.00 per month

Benefits

• Health insurance
• Paid sick time
• Paid time off

Work Location: In person